Do You Know How to Select Church Insurance?

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Do You Know How to Select Church Insurance?

Jeff Hanna
Consider these questions when selecting and retaining your church’s insurance.
posted 9/23/2009

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Last Name:

First Name:

Does someone in the congregation have a working knowledge of church insurance coverage and terminology?

	Yes
	No

Do we have a solid, ongoing relationship with our insurance agent, agency, and/or company?

	Yes
	No

Do we consider a combination of price, product, and services when selecting our insurance?

	Yes
	No

Have we considered the AM Best rating of our insurance carrier?

	Yes
	No

Do we receive regular risk-management information from our insurance company regarding steps to make our facility, people and resources safer?

	Yes
	No

Do we get a property appraisal done every few years to determine our property's value?

	Yes
	No

Do we have an inventory of all church-owned contents stored off-premises in case of a total loss?

	Yes
	No

Does our property coverage adequately insure us at the value of replacing our facility and its contents?

	Yes
	No

Do we have adequate general liability coverage compared to other churches our size and with similar ministries?

	Yes
	No

Do we have a separate sexual misconduct policy with sufficient limits?

	Yes
	No

Have we discussed pastoral professional liability insurance with our agent?

	Yes
	No

Do we understand our state's workers' compensation laws and have adequate coverage to protect our workers and our organization?

	Yes
	No

Do we have at least a $1 million umbrella liability policy to cover us beyond our general liability coverage?

	Yes
	No

If our pastor lives in a church-owned residence, do we have a minister's personal liability coverage policy?

	Yes
	No

To protect us in the case of theft or embezzlement, have we discussed with our agent the need for employee or volunteer dishonesty coverage?

	Yes
	No

If we own or rent vehicles for church business, do we have sufficient auto liability, non-owned and hired, and physical damage coverage for rented vehicles?

	Yes
	No

Have we discussed with our board and insurance agent the need for directors and officers coverage?

	Yes
	No

Have we adequately discussed the need for employment practices liability insurance for our church?

	Yes
	No

If our agent is not familiar with or cannot adequately determine our need for these coverages, have we considered seeking an insurance provider who specializes in church insurance?